Infinity Insurance Review 2026

Infinity is ideal for high-risk drivers who find it challenging to obtain coverage from other insurers.

Infinity Is Best for Those Who:

• Are high-risk drivers with violations, DUIs, tickets, or low credit
• Need non-standard insurance due to issues getting insured
• Live in AZ, CA, CO, CT, FL, GA, IL, OR, PA, or TX
• Are looking for customer support in Spanish

Infinity Is Not Best for Those Who:

• Have a clean driving record and can get better rates elsewhere
• Need many add-on coverages
• Live outside the ten states that Infinity services

The average cost of Infinity car insurance is $2,511 per year for full coverage. This is $155 higher than the national average of $2,356 per year. For minimum coverage, Infinity’s average cost is $826, or $104 more than the national average.

Since Infinity serves high-risk drivers — for example, those with an SR-22 — it’s reasonable that its rates will be higher than average. The rates you’re quoted may differ, but they will be higher if you’re a high-risk driver yourself. It’s also possible to get a competitive rate with Infinity if you’re a driver with a good record, though this isn’t guaranteed.

Infinity offers basic discounts, but you won’t find as many as with other companies. That said, there are still ways to save.

Highlighted Discount: Mature Driver Improvement Course Discount

Infinity offers a discount to mature drivers for taking an approved defensive driving course. This incentivizes drivers to refresh basic driving skills and learn about new traffic laws or vehicle technologies.

The age requirement is not specified on Infinity’s website, so you’ll need to contact your agent to learn about eligibility. With other insurers, I’ve typically seen this discount offered to drivers aged 50 or 55 and older. To find approved courses, contact your local DMV, the AARP, or your agent.

Other Discounts

Infinity also offers the following discounts:

• Multi-car: Insure more than one car with Infinity under the same policy, and you’ll receive a discount.
• Good student: If you have a teen or young adult on your policy, and they’re a full-time student with a B average (3.0 GPA) or higher, you may qualify for a discount.
• Telematics: Through the Kemper Co-Pilot program, you can earn discounts up to 15 percent off.

You can get a quote with Infinity online or by calling 1-855-478-3705. If you’re getting a quote online, you’ll be directed to enter your zip code first:

Next, you’ll be directed to answer a series of questions about yourself in a dynamic form on the same page. For instance, you’ll have to enter your current insurance status:

And your name and address:

When completing the form, be sure to have this information on hand about drivers you want to add to your policy (including yourself):

• Full names
• Birthdates
• Driver license numbers
• Vehicle details — including the year, make, and model or the VIN number
• Information about your prior insurer

Once you’re done filling the form, you’ll get a quote based on the information you’ve entered.

Infinity provides the standard types of coverage: liability, collision and comprehensive, personal injury protection, and uninsured/underinsured motorist. However, it has fewer add-on coverages than other insurers.

Infinity has rental reimbursement as an add-on, which pays for a rental car up to the daily limit if your car is in the shop and unusable due to a covered claim. It also offers roadside assistance, which provides emergency services or towing if an accident happens.

Not everything Infinity offers is necessarily detailed on its website, which doesn’t have much coverage information outside of basic descriptions. It’s possible Infinity may offer gap insurance, special equipment, and other coverage options, but we recommend calling an agent to confirm what’s available based on your location and policy.

You can customize coverages and coverage amounts as long as you meet the minimum limits in your state.

Customer satisfaction is a weak point for Infinity — it has a score of 5.13 from the NAIC Customer Complaint Index, which rates how frequently customers file complaints about insurance companies. This score signifies that Infinity receives about five times as many complaints as is expected for similar companies.

As of 2026, it has an A- rating from AM Best, meaning it is financially stable and can be counted on to pay out claims. However, it’s worth noting that it was downgraded from a score of A in 2022, and many competitors have higher ratings.

Kemper, Infinity’s parent company, also has mixed scores. In California, where Infinity does much of its business, Kemper scored last in J.D. Power’s Auto Insurance Study, which measures customer satisfaction by region. In CRASH Network’s Insurer Report Card—which surveys repair shops on insurers’ claims practices—Kemper received a C-. That said, its score was higher than insurers like Progressive and GEICO, and none of the top ten biggest providers scored higher than C+.

Infinity auto claims are processed through its parent company Kemper’s system. To file a claim:

• Go to https://www.kemper.com/claims/report-a-claim
• Call 1-800-463-4648 (available 24/7)

Here’s what it looked like when I clicked into the online claims process:

In general, I think calling to file a claim is wise because a representative can answer questions and guide you through the process.

Claim processing times depend on the complexity of the claim. They may be resolved as quickly as a few days or may take several months. If you have any questions or concerns about a pending claim, be sure to contact an agent.

Generally, Infinity’s website appears pretty bare-bones, and doesn’t seem well-suited for online policy management or claim filings. It’s probably best to contact an agent for personalized help and inquiries, as not all services or important information are necessarily available on its site.

Customers can also use parent company Kemper’s main app to manage their policies, including making payments, viewing claims, contacting customer service, accessing ID cards, and more. However, the app doesn’t seem to be widely used (as of this writing, there are only 29 reviews on the Apple App Store, and 63 on the Google Play Store).

Nor are the apps highly rated, likely skewed due to the low number of reviews. On the Apple App Store, Kemper’s app has 2.5 out of 5 stars, while on Google Play it has 3.6 out of 5 stars.

Infinity is a decent option for high-risk drivers living in California, or one of the ten other states in which it sells policies. The company is backed by Kemper, and specializes in insuring drivers who may have trouble obtaining affordable coverage elsewhere. For drivers with clean records, it’s likely not the best fit.

At AutoInsurance.com, we evaluate auto insurance providers on four criteria:

• Price (40%): We analyze average premiums for full and minimum coverage. Our analysis includes drivers with clean records and good credit and other profiles, including those with at-fault accidents, DUIs, or low credit. We also consider available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
• Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our ratings and methodology.